Terms of Use

This Acceptable Use Policy ("Policy") outlines the rules and guidelines for acceptable use of the Earna website and services (the "Service"). By accessing or using the Service, you agree to comply with this Policy. If you do not agree to this Policy, you may not access or use the Service.

1. Acceptance of Terms

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

2. Use of the Service

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you are at least 18 years old.

3. User Accounts

In order to access certain features of the Service, you may be required to create a user account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

4. Content

You are solely responsible for any content that you post, upload, or otherwise make available on or through the Service. By posting, uploading, or making available any content, you grant Earna a non-exclusive, royalty-free, worldwide, perpetual, and irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in connection with the Service.

5. Prohibited Conduct

You agree not to engage in any of the following prohibited conduct:


Violating any applicable laws or regulations;


Posting, uploading, or making available any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, libelous, obscene, vulgar, offensive, pornographic, profane, or otherwise objectionable;


Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with any person or entity;


Interfering with or disrupting the operation of the Service or servers or networks connected to the Service;


Using any automated means to access the Service or collect any information from the Service;


Transmitting any viruses, worms, defects, Trojan horses, or other harmful code through the Service;


Violating the security or integrity of the Service or any data or personal information stored therein.

6. Intellectual Property

The Service and its original content, features, and functionality are owned by Earna and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

7. Disclaimer

The Service is provided on an "as is" and "as available" basis, without any warranties of any kind, express or implied. Earna disclaims all warranties, express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

In no event shall Earna be liable for any indirect, incidental, special, consequential, or punitive damages, including, but not limited to, loss of profits, data, use, or other intangible losses, arising out of or relating to your use or inability to use the Service.

9. Indemnification

You agree to indemnify and hold harmless Earna, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your use or misuse of the Service, violation of these Terms, or infringement of any intellectual property or other right of any person or entity.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [insert jurisdiction], without regard to its conflict of law provisions.

11. Changes to Terms

Earna reserves the right, at its sole discretion, to modify or replace these Terms at any time. If a revision is material, Earna will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Earna's sole discretion.

12. Contact Us

If you have any questions about these Terms, please contact us at support@joinearna.com


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Earna is a financial technology company, not a bank or an insurance company. All banking and financial services are provided by licensed banking and insurance providers. By offering this platform, Earna is compliant with all applicable laws, to protect the privacy and security of personally identifiable information. This website may not support enrolment in all Qualified Health Plans (QHPs) or Benefits, being offered in your state or country.

The E-mail addresses and telephone numbers that appear throughout this site belong to Earna and cannot be used to contact any of our benefit service providers. Copyright © Earna 2024.